Comparison

Remita vs ZenithBankToken

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Remita

Manage your finances with ease. Send money to Nigerian and African banks, pay bills, book flights, and top up airtime. Track expenses, set budgets, and automate recurring payments. Facilitates group payments and contactless transactions.

Highlights
  • Money transfers to Nigerian and African banks
  • Bill payments (electricity, TV, school fees)
  • Flight booking and comparison
  • Airtime and data top-up
  • Consolidated bank account view
  • Budgeting and expense tracking
  • Automated recurring payments
  • QR code payments
Features
Read full description

Send Money Anywhere: Transfer to all Nigerian banks, including microfinance banks and wallets, plus send to banks across Africa. Pay Bills Easily: Electricity, water, Pay TV, school fees, insurance, government agencies and more. Book Flights: Search, compare, book, and pay for local and international flights. Top Up Airtime & Data: Recharge for yourself, others, or multiple beneficiaries instantly. View All Your Accounts: See balances across all your profiled bank accounts on one screen. Budget & Track Expenses: Plan ahead and spend wisely. Recurring Payments: Never miss any time-bound payment again! Simply automate it with Remita. Split Bills: Super easy way to pull funds together for a common purpose-hangout, support for a friend, project, etc. Snap or Tap to Pay: Scan QR codes or tap to complete payments at shops, schools, restaurants, and more. Business Ready: Review and securely authorise payments for SME, businesses, SME, NGOs, faith institutions, governments and others on the go.

About

ZenithBankToken

This app generates one-time passwords (OTPs) for secure electronic transaction authentication. It serves as a digital alternative to hardware tokens, offering various activation methods for both individual and corporate users.

Highlights
  • One-time password (OTP) generation
  • Electronic transaction authentication
  • Alternative to hardware tokens
  • Multiple activation methods
  • Individual and corporate registration
Features
Read full description

ZenithBankToken App is a mobile application that generates One Time Passwords (OTPs) used in the authentication of electronic transactions. A one-time password (OTP) is a series of characters that automatically authenticates the user for a single transaction or session. It is also an alternative to the Hardware Token. Activate the App using the activation details stated below Register as an Individual Select Activation Method Hardware Token: Account Number + 4-digit Server PIN and Hardware Token Code Image Verification: Account Number + Date of Birth Quick Access: Visit Bank branch and generate activation code required for enabling access on the E-token App OTP: Account Number + Date of Birth A one-time password (OTP) will be sent to your registered phone number Register as a Corporate Select Activation Method Quick Access: Visit Bank branch and generate activation code required for enabling access on the Zenithbanktoken App

Screenshots

Remita4 screens
ZenithBankToken4 screens

Verdict

The call

The clearest difference is rating: ZenithBankToken at 4.1 against Remita's 3.0. ZenithBankToken also leads on update cadence (every 2 days vs every 5 days). On price, ratings volume, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

ZenithBankToken holds the better App Store score, 4.1 against 3.0. Both are backed by a comparable volume of ratings — 23 and 9 respectively.

UpkeepUpdate frequency

Remita ships an update every 5 days, ZenithBankToken every 2 days. The most recent releases landed on October 29, 2026 and October 23, 2026 respectively.

Scorecard2 real differences · 8 level
Remita versus ZenithBankToken: the parameters behind the verdict, then further details
ParameterRemitaZenithBankToken
PriceFreeFree
Rating3.0 (23 ratings)4.1 (9 ratings) — better
Positive reviews6.7% of reviews—
Number of ratings23 — better9
Update frequencyEvery 5 daysEvery 2 days — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPadiPhone, iPad
Requires iOS16.0 — better16.6
Further details — not scored
Size186 MB24 MB
Age rating4+4+
DeveloperSystemspecs LimitedZenith Bank PLC

Customer experience

Remita

All ratings23 ratings
Positive47.8%
Neutral8.7%
Negative43.5%
Written reviews15 reviews
Positive6.7%
Neutral13.3%
Negative80.0%

ZenithBankToken

All ratings9 ratings
Positive77.8%
Neutral11.1%
Negative11.1%

In-app purchases

None

Remita

No in-app purchases

None

ZenithBankToken

No in-app purchases

Questions

Is Remita free?
Remita is free to download, with no in-app purchases.
Is ZenithBankToken free?
ZenithBankToken is free to download, with no in-app purchases.
Which has better reviews, Remita or ZenithBankToken?
ZenithBankToken is rated higher. Remita averages 3.0 out of 5 from 23 ratings, while ZenithBankToken averages 4.1 from 9 ratings.
Do Remita or ZenithBankToken have ads?
Neither Remita nor ZenithBankToken shows ads.
Which is updated more often, Remita or ZenithBankToken?
Remita ships an update every 5 days, and ZenithBankToken every 2 days. Most recently, Remita was updated on October 29, 2026 and ZenithBankToken on October 23, 2026.

Other comparisons